You have the right to make a written or oral request that telephone calls regarding you debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request.
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As a consumer negotiating with a debt collector can be difficult, the consumer may feel distraught over not paying their bill or unsure of there negotiating skills. Before beginning the negotiating process the first thing you need to do as a consumer is make a plan, this will include how much money you may have
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use
If a consumer notifies a debt collector or collection agency in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector or collection agency to cease further communication with the consumer, the debt collector or collection agency shall not communicate further with the consumer with respect to such
Many times when debt is overdue it is sold to a debt collector. It is important to understand that as a consumer you have rights when it comes to taking care of your overdue accounts. Communication between a debt collector and a consumer can only be done during the times of 8 a.m and 9